created exactly -- in 1995, that's where 64% of home ownership where we are right now, and you had clinton to increase homeowner ship up to 70%, and then you had barney frank saying let's roll the dice on mortgages and that created the entire housing dilemma and recession, and there's a reason the home ownership rate should stay 64 to 65% in america. getting back to the average is a good thing. >> jessica, quickly? >> well, i am going to say that i agree that home ownership as an economic indicator is not a wise place to go, but i disagree as to where that came from. it was as a result of the economy bubble that we had in 2000 and going forward in 2001 after the terrorists attacks and a direct relationship from the bush bang. but we could go from there -- >> that had nothing to do with that. >> oh, it absolutely did. that's when we started looking at home ownership as an economic indicator. >> we can't get into that right now, and i am sorry, jessica. i want to get tracy in. it's hard to get credit and hard to save for a down payment and get a mortgage. >> that's it. and maybe i don't want